Removing a party from your car insurance?

Question

When I got married, I was told by my insurance company that I needed to include all licensed drivers in my house on my policy - so I added my fiance. Now I'm divorced, but they tell me that my only options for him to remove himself from the policy or to cancel it. That I can't remove someone from my policy. They say it is the law in Texas. Is this true?

Answer 1

It is true.  If he is a named insured on your policy, he cannot be removed unless he signs off that he no longer wants to be on your policy.  The company will not take him off without his signature because he is a "co-insured".  The agent cannot cancel the policy, only the insurance company can.  This is because the law states the company has to give so many days notice to cancel or nonrenew the policy & they have to notify the named insureds.  If they took him off without his knowledge, this is in violation of the law.  Also, they could be sued if he had an accident that would have been covered but wasn't because they deleted him.

The only way you could cancel the policy yourself at this time is for nonpayment, he would have to sign to cancel the policy too.

Is his car still on the policy?  If so, what I always do is write a new policy for the person that calls in, in your case, you.  Then, I would take you off of the current policy & change the address to the ex's address.  This way, if he decides not to pay or to cancel the policy, it is up to him.

Answer 2

Samantha c, I suggest you find a local car insurance agent to assist you. Since I live in Iowa I can't recommend anyone in Texas, but here is an resource that can help you. http://www.multipleautoinsurancequotes.c...



Good Luck.

Answer 3

Sorry to say they will require you to end that policy and start a new one in just your name.

A site I've recommended in the past would be...

http://www.safelinked.info/go.php?link=i...

Hope that helps.

Answer 4

I work for Farmers in TX and that is not at all true.  The only way it would be a problem to take him off would be if he is the primary insured, in that case you would have to get a policy of your own and let his cancel for non-pay.  Sometimes Farmers requires proof that the person is living elsewhere but it has never been a problem to remove a driver that is not in the household.  Your provider has to do the wishes of the primary insured.  Edit: How do they expect you to get the signature of someone who is either angry or you no longer have contact with them, that is stupid.  You should NOT have to start a new policy or get him to sign anything!

Answer 5

Don't know about Texas but in New Zealand you can just ring in and they will change it .

Easiest way for you is to wait until its time to renew your insurance then ring some other comapnies and get alternative quotes.

Use the opportunity to see what oterh insurance options there are .

If he won't be driving your car in the meantime - its not really an issue.

Answer 6

Well, you can exclude him from coverage, with an operator exclusion form.  Which both of you need to sign, him AND you.

But if you're divorced, and he is NOT living with you, you should be able to exclude him from coverage, WITHOUT his signature.  Assuming that the car isn't in his name.